Stock Market is soaring? Should You invest now?

The stock market is at an all time high. So, the potential investors are worried if this is this the right time to invest.

In fact, there is no good or bad time to enter the stock markets. The equity market can give you returns if you think of staying for a longer period of time. But, you need to be careful and not to get carried away looking at other's rewards. It's quite risky to invest in stocks and one needs to follow a good strategy before investing.
You can gain or you may lose it all, as it is normally said.

@wealthladder I agree with you on the point of staying invested for a longer time. But there is a good or bad time to enter depending on the type of investment method (lump sum or SIP). Let's consider two people, both started investing in 2007 but person A has invested as a lump sum while person B invested with a SIP.
Now, this was the period of the great recession.
Considering they both have invested an equal amount of money by 2012, Person A might still be having some unrealized loss while Person B has his balance sheet in green.

@saketnarayane It is obvious that the sip could be the best method of averaging the cost. As far as the lumpsum is concerned, one can invest in a liquid fund and can do an STP for averaging the entry cost.

@wealthladder I was just giving an example of the existence of good or bad time depending on the method of investing. And it is too soon to say SIP is the best method. I can modify the same example to make lump sum look better. Let's say Person A & Person B both started their investment in January 2009, when the market hit the lowest point. Now no matter when you see it in the future, as long as they both have invested the same amount, the person with lump sum investment wins.
So for certain situations, certain methods would prove out to be more beneficial. But the difficult part is, to identify the opportunity.
That's all I have to say

@saketnarayane You may be right to some extent. But, comparing these two different methods is actually not possible. SIP is a regular way to invest and suits different investors as per their financial goals. While lumpsum might be good for certain other category of investors based on their surplus funds and long term financial goals. One method may have advantages over the other. But, there are so many factors affecting the overall performance in the markets. So, we can't specifically define which one is the best

To initiate trading in the markets, you first need to make investment goals at your own risk within your timeline in mind. Then you can also research the latest financial condition as well as the history of different companies by going through their income statements or balance sheets. After complete information on online commodity trading market, you can start trading.

I wish i could give you the right answer. But in stock market, there is no exact right or wrong time. Anything can happen in the market. I will tell you this that you should invest in the market with the amount you could afford to lose. Otherwise you will face a lot of problems in the future.

@gillbroking So true! Having clear investment goals is the essence of trading. Whether we wish to follow regular trading or want to stay invested for longer duration, this all needs to be analysed. Doing thorough analysis and staying financially alert generally helps while investing our money.
We are visualising stock markets reaching new highs, it's quite lucrative for potential investors. But, there's no need to get carried in emotions. One has to act cautiously and wisely.

Hello guys! I think stock market is a perfect market for your investments at any time as it always favors the potential investors who can manage to stay for a longer period of time. It depends on you to utilize your knowledge properly. Thank you so much

@SaketNarayane , as @Wealthladder said there is no good or bad time to enter markets , If you would have invested this year in small cap even via SIP it would have been a complete loss. The fund houses that gave 80% return last year are in 40% loss this year. again it depends on what is your portfolio.
For Midcap-small cap - 10 + years
For Debt - 5 years

@kvijay12345 Right to point out " There's no good or bad time to enter markets". It's the correct strategy that needs to be followed to attain the desired returns. One shouldn't panic on a sudden market fluctuation and act wisely. Even if the market is down, one needs to show patience and act cautiously to reduce the losses, if any.

Guys,
Has anyone here tried Orowealth ? Seems like they were the one of the first few to start direct fund investment platform. However the pricing looks a bit steep. The plan which can be a bit useful is at 200 Rs per month(and includes only call for OroAssist i.e the personalization service). On the other hand, MFU is free and can get some advice on funds from the internet myself.
What do you recommend ? Has anyone got some great stories about their portfolio to share about Orowealth ?
Thanks.

@sdadwal I think I have covered the most important points about a popular mutual fund investment platform "Kuvera" here. You'll also get an overview of the Kuvera App. I have tried to keep it simple.
Investment in Mutual funds:
Mutual funds are quite simple to comprehend and you are supplied with an immediate advantage of instant diversification and asset allocations without the necessity of large investments to generate portfolios. Mutual Fund offers major benefits with respect to returns on a better scale.
When it comes to investment towards Mutual Fund you can either invest directly or through regular distribution/brokerage platforms. But, today we will not explore brokerage platforms or not just about any other platform for Mutual Fund investment.
Today, I bring to you the various features, benefits and unbiased review about Kuvera app.
Why Investing With Kuvera App Direct Funds Is Better than Regular Mutual Funds Platform?
Kuvera is the world’s first completely free financial planning and direct Mutual Fund investing platform with zero fees and several additional features. For direct mutual fund plans investors, Kuvera is the completely free internet portal. The platform is basically free with no hidden fees, no test period, and absolutely no worries on the size of the portfolio that you have.
Apart from the zero transactional fees, it also provides free financial advice.
Direct Investment Fund platforms charge you for recommendations on investments which may be discretionary whereas regular mutual funds do not charge you something for recommendation.
But Kuvera, in spite of being a direct platform ensures free recommendations and expert advice based on years of experience and data-driven strategy in real time.
Kuvera Direct Mutual Fund App Review
A goal-based investment is the main feature of the Kuvera platform. Whether you want to buy a house, a car or any goal that you have always desired for can be achieved by setting your goals right with the Kuvera platform. It ensures that the investor of fund identifies the related risks.
Kuvera provides direct mutual plans with a one-click switch from the standard mutual fund plans from non-demat accounts directly to your account. The system enables you to readily import current plans. It also enables you to manage many different portfolios of your family members and friends by signing up with a single account.
With Kuvera, when you are looking for investment, it takes a while to complete the KYC. Kuvera has an outstanding, easy-to-use and intuitive app which ensures that selecting the choice of your funds and setting up the SIP is a breeze. The dashboard is easy and very efficient in understanding your profit/loss in absolute terms and percentage. They also show XIRR (Extended Internal Rate of Return) when various investments are made in instalments throughout the financial year.
Funds from the Industry leading Fund houses
If you are looking for the type of direct plan Mutual Funds that are available with Kuvera, it has a good mutual fund lists across the web.
The other features of Kuvera embrace easy withdrawals, fund choice, setting up goal based portfolios, no tax on redemption, and a lot of saving. Investment on direct plans through Kuvera, therefore, yields greater profit than regular plans provided by comparatively other platforms.
Did I miss any crucial point while sharing the Kuvera App review? Do let me know.

I see a lot of people disapproving your choice to take a loan to invest in mutual funds. So after reading their comments you must know you are treading into dangerous waters. But if you still want to go ahead with it, I am no one to judge. To be honest, my friend does it, too. But he has been doing this for a long time. He knows the ways of the market and has taken margin loans to earn profit, too. Once when I was investing as well, he referred a website that gives instant personal loans. I told him then that I couldn’t afford to take such risks and carried on with investing the money I earned. If you want to apply for loan you can visit their online platform and check out their offering. They give instant loans and provide you with flexible tenure options. But still I would caution you to not overuse this opportunity. All the best.

As you watch TV or read any business newspapers, you will know about highs in the markets at different points of time. The market keeps on scaling and the party seems to never end. Sometimes you see highs and sometime lows in the market.
So, if you are thinking of entering the investing market and joining the party how do you go about it. Are you worried party may end soon and you will be stuck with a costly investment?
Let's look at some important points. Build a basic model to see if we can understand the impact of investing in very high markets or at the top of a bull run or just before the crash.
Here is the broad process that I normally follow:
Defining what is high for market based on historical data.
Using P/E data to create a market heat map over a long time horizon.
Testing out how your investments performed in over heated market in past.
Understanding the impact of Lump sun and SIP investments.
Investing in Equity Mutual funds: Overview
Look for market P/E multiples to understand the state of market.
Entering into mutual funds as markets are high can have a material impact to your investments.
Impact is multiplied if you make one time lump sum investments at the top of market cycle.
Depending on market conditions it can take upto 3 years to recover such one time investments.
SIP can be an effective way to de-risk yourself from such investments.
If you have lot of money to deploy you may use STP.
To understand how entering into equity mutual funds when markets are high , Let us try to define what does high market mean first .
While absolute value of Nifty or BSE is what you keep on hearing all the time on newspapers and TV. In terms of understanding the relative position of the market, the absolute values do not matter much. What matters is what is the earnings multiple, currently the market is trading at, popularly captured by a metric called P/E ( Price to earnings).
SIPs help de-risk my investments and provides superior returns while entering at market highs.
This is my personal opinion only. This is not any professional advice. You can share your investing ideas as well.

@Smart2Investor These features in FundsIndia sounds amazing. But, the only concern in this is the reliability on this brand. Till now people get more attracted for investment to the brand. The features in which proper counselling is given also seem good.

@Smart2Investor This is quite an informative post on Scripbox. To add here, financial advisory startup Upwardly has merged with Scripbox the online investment platform. So, this combined team shall now work together to provide investment related services to customers.
Don't you think this is a wise step to increase customer base? I feel this can surely help widen their business and client base.

I recently heard about Fincash, an online mutual fund investment platform. Their tagline says, "invest in best performing mutual funds". Do they actually guide in doing so? I mean, I want to put some amount in mutual funds.
So, should I invest in SIP in mutual funds through it? Is Fincash login and investment through it easy and beneficial? Or there is another better alternative available to it?

@brokerdude Hi, I think direct plans allow free of cost investing only irrespective of platform. Is it true? Please clarify on it. I heard many such platforms offer free incvesting only. So, it doesn’t matter with whom you are investing. Or is one investing portal different from other?

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